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ACH Client™

Comprehensive ACH origination for financial institutions and their originators

ACH ClientComprehensive ACH origination for financial institutions and their originators

ProfitStars’® ACH Client can help your financial institution attract and retain important commercial customers and improve your bottom line. ACH Client is an Internet-based solution that delivers state-of-the-art file origination and secure transmission functionality to an unlimited number of commercial customers, or members. It provides direct deposit of payroll, direct debit for receivables, all ACH check conversion options, and a host of other time and money-saving solutions for one-time and recurring transactions. ACH Client is an easy, affordable way to increase fee income and reduce backroom processing costs.

ACH Client’s online platform significantly reduces the expense of delivering ACH origination services by eliminating costly onsite software installations and updates. Originators can easily access your privately branded ACH Client solution from a hyperlink in your financial institution’s online banking portal or home page. In addition to the more cost effective Internet delivery channel, ACH Client provides greater financial institution control of originator functionality.

Grow Your Business with ACH ClientACH Client is an important business tool for your financial institution as well as your ACH transaction originators.

For your financial institution, it gives you the means to provide comprehensive ACH origination services to your customers with less effort and cost, allows you to more strongly tie those customers to your institution, and gives you the opportunity to offer new products to both existing and prospective customers.

ACH Client helps the originator by allowing them to consolidate their deposits from multiple locations with one institution, reduce the number of checks their payroll or accounts payable unit needs to write, and to automatically debit customers’ accounts for their monthly fees to streamline their income stream; i.e. pest control or lawn services, retainers, utility bills, etc.

A Cost-Effective Delivery Channel that is Simple and SecureACH Client’s Internet-based platform is much more cost-effective for file origination and transmission than an in-house solution requiring onsite software installation and updates. ACH Client updates are applied automatically, and each financial institution can enable only those features and functions they wish to make available to their customers.

The ACH Client platform provides a single-page Transaction Wizard with field-specific Help. The system also offers user-defined Quick Start and Quick Edit pages that make transaction data input both fast and easy. All transactions are securely routed through ProfitStars’ SAS70 Level II Service Bureau, with Secure Sockets Layer (SSL) 128-bit/RC4 Encryption.

Custom Branding and Expert SupportACH Client is more than an online origination solution – it’s a professionally designed marketing tool for your ACH product offering. ACH Client provides options for either bank or credit union specific terminology, and can

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be personalized with the logos, graphics, and colors of your financial institution in order to keep your brand in front of your customers.

ACH Client also offers a Spanish language option for financial institutions and their customers who are located outside the U.S., or whose primary language is Spanish. English or Spanish can be selected at the user level.

ProfitStars further provides ACH technical support to help your financial institution support its commercial originators using ACH Client, and we provide you with sample origination agreements and product documentation materials to streamline the sales process.

Origination Risk Management Made EasyWith ACH Client, financial institutions establish origination exposure limits and control the types of transactions that their customers can originate in ACH Client, or as “pass through” files created in other origination software solutions. ACH Client offers your institution:

■ Adaptive, token, or hybrid authentication options.

■ User restrictions by day/time or IP address.

■ Tri-Level transaction authorization security.

■ The ability to limit origination by debit or credit transactions – or to enable both.

■ The ability to limit origination by Standard Entry Classification (SEC) code.

■ User-level monetary caps configured individually for each transaction type.

■ Business-level daily limits.

Enhanced Scanning Functions and OptionsACH Client includes batch scanning functionality for the origination of ARC, BOC, and RCK transactions. Items captured successfully are saved immediately, while incomplete items and/or items with warnings or errors are stored as exceptions and are highlighted for easy identification and repair. Alternatively, you may select transaction scanning to process one item at a time for ARC, BOC, POP and RCK transactions.

Processed images can be accessed via our optional, on-line image archive service which offers two years of unlimited retrieval.

Comprehensive ReportingACH Client provides extensive detailed and summary reports for originated files. As the list of reports specific to both financial institutions and their originators is lengthy, we ask that you contact your ProfitStars’ sales representative for complete details.

Onsite ACH TrainingA ProfitStars AAP-certified training professional will visit your financial institution to provide onsite software training and ACH consultation services. Our experts will also set up and train financial institution customers, to ensure a smooth deployment and provide understanding of all functionality.

ACH Client delivers the robust ACH origination functionality – plus the ACH technical and marketing support – that your institution needs to effectively market ACH origination services to your valuable commercial customers.

Additional information is available at www.ProfitStars.com or by calling 877.827.7101Copyright © 2012. Jack Henry & Associates, Inc.® All rights reserved. ProfitStars is a registered trademark of Jack Henry & Associates, Inc.

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ACH Client

What It Does

■ Serves as an Internet-based, financial institution-branded solution that delivers state-of-the-art ACH file origination and secure transmission functionality to an unlimited number of commercial customers.

■ Allows commercial customers easy access to your ACH service from a home page or online portal link.

■ Allows origination of ARC, BOC, POP, and RCK transactions via check scanners.

■ Allows the origination of PPD, CCD, TEL, WEB, IAT, CIE, ENR and more.

■ Robust payment options for federal, state and local taxes, from standard EFTPS transactions to proprietary state and local addenda formats.

■ Offers extensive detailed and summary reports for originated files.

■ Includes onsite training, marketing support, and technical support from AAP-certified ACH experts.

■ Provides a powerful search engine with custom search functionality.

■ Allows customers to import delimited text files or fixed length text files for conversion to the ACH format, or to create or update transaction templates.

■ Allows origination of recurring and split transactions.

■ Includes an automated origination calendar.

■ Allows users to export files (automatically, or on-demand) in either CSV or IFF (QuickBooks) format for auto-posting to accounting software.

■ Helps you to attract and retain important commercial customers.

■ Provides you with an additional income stream from transaction-based fees.

■ Delivers a broad range of ACH functionality to your commercial customers with an easy to administer solution.

■ Takes the confusion out of electronic payments for your clients and your staff by suppressing unnecessary ACH terminology and performing ACH processing steps “in the background.

■ Uses customizable controls to help mitigate risk for your financial institution and its commercial customers.

■ Provides peace-of-mind and data security via our SAS70 Levell II service bureau and Secure sockets Layer (SSL) with 128-bit/RC4 encryption.

■ Offers your institution the backing of our expert, Accredited ACH Professionals who are available to help you with operational and marketing challenges.

■ Provides greater control with online administration and a user-friendly solution for an unlimited number of originators.

■ Eliminates costly onsite software installation by utilizing the most cost-effective delivery channel available – the Internet.

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